In plain English
The bond is for the benefit of the public. If a claim is paid, the bond holder may have to repay the surety.
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Not every state requires one, and the amount varies.
Before you buy, compare what your state demands with what a client or hiring company may ask for on top of it, and keep the paperwork with your commission records.
Why it matters
Where a state requires a bond, a notary cannot be commissioned without one. Mistaking a bond for personal protection is common and can be costly, because a claim paid by the surety may come back to the notary.
For the public, the bond offers a route to compensation if a notary's misconduct causes harm.
Worked example
She buys a bond for her commission term, as her state requires, before taking her oath.
What to do
- Check whether your state requires a bond and how much.
- Buy it from a surety licensed in your state.
- File it as your commissioning office instructs, if required.
- Keep a copy with your commission papers.
- Renew it alongside your commission.
Common mistakes
- Thinking the bond covers your own losses can leave you uninsured for errors.
- Filing late can delay your commission or oath of office.
- Letting the bond expire while still notarizing can put the commission at risk.
Not the same as: Errors and omissions (E&O) insurance
A bond is for the public's protection and may need to be repaid by the notary, while E&O is insurance that can pay claims on the notary's behalf. See Errors and omissions (E&O) insurance.
Go deeper
- Notary Bond vs Errors and Omissions Insurance: These two products are often confused. Learn what a notary bond protects, what E&O insurance protects, what neither covers, and how to choose coverage sensibly.
Related terms
- Notary journal: A bound or electronic record of each notarial act the notary performs.
- Notary scam: A fake job or check scheme that targets notaries and signing agents.
- Notarial fee: The amount a notary may charge for a notarial act, set by state law.
Common questions
What is a notary bond?
A surety bond some states require a notary to hold to protect the public from misconduct.
Can you give an example of notary bond?
She buys a bond for her commission term, as her state requires, before taking her oath.
Does New Jersey require a notary bond?
Rules can change. Check the current requirements with the New Jersey State Treasurer's notary office.
Who gets paid if a bond claim succeeds?
The harmed party is paid by the surety, which may then seek repayment from the notary.
General information, not legal advice. Rules vary by state and change; check with your state's commissioning office.